Onlline Gambling In Kentucky

Last updated on January 16, 2024 by Trevor Blacksmith , Reviewed by James Reynolds

A Quick Overview

Though there is no law that specifically prohibits or allows online casino gambling, it is considered illegal according to current state statutes. This means that any operator located within the United States cannot offer their services legally in the state of Kentucky. However, many offshore operators accept players from the US, including those residing in KY. These sites are not regulated by any local authorities but are still subject to federal laws.

What You Need To Know Before Playing

It’s important to know what you’re getting into before signing up at an online casino site. First, make sure they hold a valid license from a reputable gaming commission like Curacao eGaming or Malta Gaming Authority – these licenses guarantee that your funds will be secure while playing on their site. Additionally, check out reviews from other players who have used them before as well as read through their terms and conditions carefully so you understand exactly how deposits and withdrawals work. With these tips under your belt, you’ll be able to find a safe place to gamble without worry!

The legal age to gamble in the state of Kentucky is 21 years old. This applies to all forms of gambling including casinos, sports betting, horse racing and lottery tickets. Any person under the age of 21 found participating in any form of gambling will face fines or criminal charges.

Licensing Requirements

All licensed operators must abide by the legal minimum gambling age set out by the state. Operators are required to check identification from anyone suspected to be underage before allowing them entrance into their premises or partaking in any wagers.

Gambling should not be taken lightly as it can lead to serious financial losses if you don’t practice responsible gaming habits. To prevent this, there are strict regulations that must be met and monitored regularly by the licensee. The law also requires licensees to provide information about problem gambling services and resources on-site so customers have access when needed. With these measures in place, players can enjoy a safe and secure environment while playing online casino games or engaging with regulated sportsbooks based in Kentucky.

These laws and regulations ensure that everyone has an enjoyable time taking part in regulated gambling activities within the state’s boundaries without running afoul of local authorities. Moving forward, we’ll discuss what types of gambling are allowed here in Kentucky.

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Types of Gambling Allowed in Kentucky

Kentucky is home to a variety of legal and regulated gambling activities that are allowed within its borders. These include lottery games, pari-mutuel wagering on horse and greyhound races, charitable gaming events, as well as online sports betting. The state also allows for the operation of riverboat casinos located along the Ohio River.

Lottery Games

The Kentucky Lottery Corporation offers several different types of draw games including Powerball, Mega Millions, Lucky For Life, Pick 3 and Cash Ball 225. Scratch-off tickets can be purchased at retailers throughout the state with prizes up to $500,000.

Pari-Mutuel Wagering

Residents of Kentucky can place bets on live horse racing or simulcast wagers from tracks around the country at four racetracks: Churchill Downs Racetrack (Louisville), Ellis Park Race Course (Henderson), Keeneland Race Course (Lexington) and Turfway Park (Florence). Greyhound racing is no longer offered in the state but off-track betting sites remain open.

With this overview of what’s legally available for gamblers in Kentucky completed it’s time to take a look at casino licensing requirements in the Bluegrass State.

Kentucky Casino Licensing Requirements

To legally operate a casino in Kentucky, the business must be licensed by the Kentucky Horse Racing Authority. The license application process requires businesses to provide detailed information about their operations and financials, as well documents that demonstrate they have paid all taxes owed to the state of Kentucky. Applicants are also required to submit a plan outlining how their proposed facility will comply with local zoning regulations.

Once an applicant is approved for licensure, they must adhere to strict guidelines set forth by the authority. These rules include providing safe gaming areas for customers, ensuring games of chance are conducted fairly, verifying age requirements for patrons and employees, maintaining accurate accounting records, and adhering to all applicable non-gaming laws and regulations.

All casinos operating in Kentucky must pay fees based on gross receipts from gaming operations each month. They must also submit annual reports which detail revenue earned from each type of game offered at their establishment. Failure to abide by these licensing requirements can result in monetary fines or revocation of licensure.

Online Gambling Availability in Kentucky

Kentucky does not have any state-regulated online gambling, including casinos and sports betting. However, there are other forms of legal online gambling available to residents which include horse race betting, daily fantasy sports (DFS), charitable gaming, lottery ticket sales and bingo.

Horse Race Betting

Kentucky permits licensed racetracks to offer advance deposit wagering services on the outcome of live races or simulcasted events from other tracks. Residents can also bet on quarterhorse racing at The Red Mile Raceway in Lexington. Horse race betting is overseen by the Kentucky Horse Racing Commission.

Daily Fantasy Sports & Charitable Gaming

The Kentucky Department of Charitable Gaming regulates DFS operators who must be age 18+ and located within the state’s borders to take part in contests for real money prizes. When it comes to charitable gaming such as pull tabs, raffles and bingo games, organizations that wish to run these activities must apply for a license with the same department. With this being said, players need only be aged 18+ to participate in these types of games when they comply with all relevant laws set out by the authority. As far as taxation of winnings goes…

Taxation Of Winnings

Now that we know the availability of online gambling in Kentucky, let’s look at the taxation of winnings. The Commonwealth of Kentucky follows federal law when it comes to taxing your gambling winnings. It is important to note that you are responsible for reporting all gambling income on your state and federal tax returns.

The following points will help guide you through understanding how taxes work with gambling:

  1. Gambling winnings must be reported as taxable income on both Federal and State personal income taxes.
  2. Gambling losses can only be deducted up to the amount of gambling wins during a given year (not including any non-cash prizes).
  3. Winnings from lotteries and other games of chance may also be subject to special withholding rules depending on the prize amount and type of game played.

It is recommended that individuals consult a qualified accountant or financial advisor prior to filing their taxes to ensure they understand the specific regulations regarding taxation of their winnings. Also, keep in mind that certain states have different laws governing taxation of lottery winnings or other forms of gaming revenue so make sure you check those out before playing if you plan to do so outside your home state! With these guidelines in mind, players should feel comfortable knowing that their hard earned money won’t go unnoticed by Uncle Sam come April 15th!

With this knowledge about taxation covered, next we’ll take a look at the various state lotteries available throughout Kentucky.

State Lotteries

Kentucky State Lottery

The Kentucky state lottery is regulated by the Kentucky Lottery Corporation and provides players with a variety of games to choose from. Players must be 18 years or older to purchase tickets. The table below outlines some popular game options offered:

GameDrawingsTicket PriceJackpot Amounts
PowerballWed/Sat$2Starts at $20M+
Cash Ball 225Nightly$1Up to $225,000
Pick 3Daily50¢Up to $500

Other Options for Gambling in KY

In addition to the state lottery, there are also charitable gaming activities approved by the Commonwealth of Kentucky such as bingo and raffles. All proceeds from these activities must go towards charitable organizations throughout the state. There are also pari-mutuel betting facilities located around Kentucky that feature horse racing events year round. These venues allow individuals over 18 years old to place wagers on live races taking place across the country. As gambling regulations continue to evolve in Kentucky, residents should stay up-to-date with their local laws surrounding sports betting laws when they become available.

Sports Betting Laws

Sports betting is a popular form of gambling in the United States, and Kentucky is no exception. The state currently doesn’t have any legislation that permits traditional sportsbooks or other forms of online sports wagering but does allow residents to place bets on horse racing through licensed racetracks and off-track betting facilities.

Kentucky Sports Betting Laws

In order for Kentuckians to legally participate in sporting wagers within their own state, they must do so at one of the approved pari-mutuel locations throughout the state. Horse race tracks such as Churchill Downs and Keeneland offer full card simulcast races while also providing legal racebooks where patrons can make straight bets, exactas, trifectas, superfectas and more.

Offshore Sportsbook Gambling

Although there are no domestic options available to bettors in Kentucky, many offshore online bookmakers accept players from KY. These websites provide an easy way to gamble on favorite teams with lines often better than those offered by Las Vegas casinos. Offshore books may also offer bonuses such as free play credits for new members which can significantly increase bankrolls when used wisely.

Given its lack of regulation regarding internet sports betting activities, it’s important for residents in Kentucky who choose to use these services to ensure they’re comfortable doing business with them before depositing funds or placing any type of bets. With proper research beforehand, customers should be able to find reputable sites that will treat them fairly and securely process all financial transactions. Moving ahead into the next section about charitable gaming regulations…

Charitable Gaming Regulations in Kentucky

Kentucky allows charitable gaming. In order to conduct this type of gambling, organizations must first obtain a license from the state’s Charitable Gaming Division. Licensed charities may host bingo games, raffles and other types of events for fundraising purposes. All proceeds are required to be used exclusively for the purpose listed on the charity’s application.

Bingo Games

Organizations that wish to offer bingo games must receive approval from their local county clerk or city council. The governing body will decide if they want to allow bingo within their jurisdiction and set the regulations regarding hours, days and locations of play. Organizations operating more than two nights per week require special permission from the state level. Additionally, all players must be 18 years old or older in order to participate in any form of charitable gaming in Kentucky.

Raffle Events

Raffle events can also be conducted with a permit from the Charitable Gaming Division; however, there are several restrictions placed upon them. Raffles cannot award cash prizes or alcoholic beverages as rewards, and tickets can only cost up $5 each – though some exceptions may apply depending on specific circumstances. There is no limit on how much money an organization can raise through these means; however, it is recommended that records are kept for each event due to tax implications or potential audits by law enforcement agencies. With proper documentation and regulation following all applicable laws and rules, organizations can safely use charitable gaming as a way to fundraise for good causes throughout Kentucky.
Moving forward into enforcement and penalties associated with online casino gambling activities in Kentucky…

Enforcement and Penalties

The Kentucky Horse Racing Commission (KHRC) is responsible for the enforcement of all gambling laws in Kentucky. The KHRC works closely with local law enforcement to ensure that any illegal activities are investigated and prosecuted accordingly.

Any violation or suspected violations of Kentucky’s gambling laws can be reported directly to the KHRC by filing a complaint online. All complaints will be reviewed and investigated, and appropriate action taken if necessary. Offenders may face criminal charges, civil fines, revocation of licenses, or other penalties as deemed necessary by the commission.

The KHRC also provides resources on its website to help individuals understand their rights when it comes to participating in legal forms of gaming such as horse racing, bingo, fantasy sports betting, and social casino games like poker. They have put together an informational guide that outlines what types of wagering are permissible under state law along with descriptions of associated fees and taxes. This information is updated regularly so visitors should check back often for updates on new regulations or changes in existing ones. With this knowledge about the rules governing gambling in Kentucky, players can take part responsibly while avoiding potential repercussions from breaking them.

This section has discussed how gambling laws are enforced and penalized in Kentucky through the work done by the KHRC. Next we’ll explore what impact these regulations have had on the economy within the state borders.

Impact on the Economy

Should Kentucky legalize online casino gambling, there would be an undeniable effect on both the state and local economy. The influx of new jobs created by casinos would provide a boost to employment numbers in the area, while tax revenue collected from gamblers could help fund schools and public services. Additionally, legalized internet gaming establishments will attract more tourists and players to the region, resulting in increased business for hotels, restaurants, retail stores, and other businesses that rely on tourism dollars.

In terms of regulation, lawmakers must be careful to craft laws that protect consumers without stifling economic growth. Security measures should be implemented to ensure gamers are playing safely and securely with their money; additionally anti-money laundering regulations should also be enforced so as to prevent criminals from using online casinos for illegal activities. Allowing for reasonable taxation rates is another important consideration when looking at potential legislation; this will ensure operators do not go out of business due to high operational costs or loss of customers because of too much taxation.

The overall impact of legalizing online casino gambling in Kentucky has yet to be seen but it is clear that it can have both positive and negative effects depending on how it is regulated. With careful consideration given to consumer protection measures as well as fair taxation levels, legislators may find themselves able to reap the financial rewards while keeping any associated risks under control.

Frequently Asked Questions

Are Online Casinos Allowed to Offer Bonuses and Promotions?

When it comes to online gambling, bonuses and promotions are a big part of the experience. Many casinos offer generous sign-up bonuses that can help you get started playing right away. But in some states, such as Kentucky, the laws around online casino gaming may make it difficult for players to take advantage of these offers. So what’s the situation with regards to bonuses and promotions in the Bluegrass State?

In Kentucky, there is no law specifically prohibiting online casinos from offering bonuses or other promotions. However, many operators choose not to offer them due to concerns over licensing requirements and potential legal issues. In addition, certain types of bonus offers may be prohibited by state legislation. For example, some states have restrictions on so-called “free money” or “play money” incentives where customers receive cash or credits without making a deposit first.

The best way for players looking for an entertaining gaming experience with real rewards is to research any potential operator before signing up for an account. Be sure to read all terms & conditions carefully as well as check whether the operator has received proper licensing in your jurisdiction – this will ensure that your experience is both safe and enjoyable!

How Can I Find Out Which Online Casinos Are Legal In Kentucky?

Are you wondering which online casinos are legal in Kentucky? If so, you’re not alone! Many US residents from the state of Kentucky have questions about the legality and regulations surrounding online casino gambling.

Fortunately, there is a wealth of information available on this subject to help inform your decision-making process. In this article, we’ll discuss how to find out which online casinos are legally allowed to operate in Kentucky and what bonuses/promotions they can offer their customers.

The first thing you should do when trying to figure out whether or not an online casino is legal in Kentucky is consult with your local government’s website for updated laws and regulations pertaining to gaming activities within the state. Additionally, it’s important to check with any relevant bodies such as the Gambling Commission or Gaming Control Board that oversee these kinds of operations. The websites may also provide additional resources like consumer protection information and contact details for customer support services if needed.

Lastly, make sure to take advantage of any reviews or ratings provided by third-party sources regarding specific sites before committing yourself financially. Doing some research upfront will give you peace of mind knowing that you’re making an informed decision about where to play safely and securely within the confines of Kentucky law.

Are There Any Restrictions On The Amount I Can Deposit Into An Online Casino?

Are there any restrictions on the amount I can deposit into an online casino?

When you’re looking to play at an online casino, it’s important to make sure that you understand the financial regulations and limits. In Kentucky, all gambling is regulated by the state government. This means that when it comes to depositing money into your account, there are certain rules and restrictions in place.

The most common restriction on deposits is a maximum of $500 per day or $2,000 per month. This limitation applies regardless of whether you’re using cash, credit cards, debit cards or another form of payment. It also includes transfers from other accounts such as bank accounts and e-wallets. Additionally, some sites have higher minimums for deposits made with certain payment methods like credit cards and PayPal.

It’s always important to review the terms and conditions before making a deposit so that you know exactly what to expect. Here are some things to keep in mind:

  • Fees: Some casinos may charge fees for deposits.
  • Limits: All casinos will have limits on how much money can be deposited each day or month.
  • Security: Look out for secure payment options like encryption technology which ensures your data stays confidential.

Before signing up with an online casino, make sure you read through their specific terms and conditions regarding deposits and withdrawals so that you don’t run into any surprises later down the line. Be aware that these policies vary greatly between different operators – understanding them upfront can help ensure a smooth gaming experience with no unpleasant surprises!

Are There Restrictions On The Type Of Games I Can Play Online?

Playing online casino games in the US state of Kentucky comes with its own set of rules and regulations. So if you are wondering whether there are restrictions on what type of games you can play, then rest assured that the answer is Yes! From slots to table games like blackjack and poker, here we will explore the types of limits in place when playing at a licensed online casino.

When it comes to slots, players must be aware that betting more than $2 per game is not allowed. This means no progressive jackpots or other high stakes slot games can be played legally. On the plus side, this limitation opens up more opportunities for smaller bets and still provides plenty of exciting gameplay options.

Table game fans may also need to adjust their expectations slightly as only certain versions are accepted by KY casinos. These include classic blackjack, craps, roulette and baccarat variations (no bonus variants). In addition, all card-based titles must use random number generators instead of live dealers – so those who prefer human interaction should look elsewhere for entertainment.

Overall, while these limitations may seem restrictive they do ensure fair gaming conditions for all involved – which has to be seen as a positive aspect given the potential risks associated with unregulated gambling sites. As long as you’re comfortable following Kentucky’s specific rules when playing online then there’s nothing stopping you from having an enjoyable time!

Are There Any Laws In Place To Protect Players From Fraudulent Activities?

When it comes to online gambling, there are an increasing number of fraudulent activities that players need to be aware of. This is why many US states have put laws in place to protect their citizens from these types of practices. In Kentucky specifically, the state has some regulations in place that aim to protect its players while they gamble online.

In terms of protecting against fraud, one law requires all licensed operators to ensure that all player deposits and withdrawals are secure and monitored closely by a third-party auditor. Additionally, the state also stipulates that any data collected about players must remain confidential unless authorized for use by a court order or other legal process.

Furthermore, most forms of online gambling are prohibited within Kentucky’s borders, including casinos and sports betting sites. Despite this restriction, many offshore options still exist where players can access a wide range of games like slots, poker and more with real money stakes. Players should always make sure their chosen site is regulated before signing up though as this will help prevent them from becoming victims of fraud or theft.

Online gaming safety is paramount and when done properly can provide hours of entertainment without any risk associated with fraudulent activity. As such, it’s important for those located in Kentucky to familiarize themselves with the current laws to ensure they stay safe while playing on the web.


The online gambling laws in Kentucky are quite strict and players need to be aware of them before they start playing. Although there are some restrictions on the amount you can deposit into an online casino, as well as which games you can play, overall it’s a safe environment for people to enjoy their favorite pastime.

It’s important that players take the time to research any casino they’re interested in using so that they know what bonuses and promotions are available, as well as whether or not it is legal. Also, by making sure all transactions are secure with reliable payment methods, gamers can ensure that their accounts remain safe from fraudulent activities.

Overall, if you want to gamble online safely and legally in Kentucky then make sure you follow the state’s regulations and have fun!


Trevor Blacksmith, Chief Editor at, has dedicated over 15 years to the online casino industry, ensuring readers receive accurate and current information. Based in New York, Trevor's meticulous approach and extensive experience make him a trusted voice in the realm of digital gambling, upholding the highest standards of journalistic integrity.

Casino Review Writer at

James Reynolds Johnson is a seasoned expert in the world of online casinos. With over 10 years of experience in the industry, James has a wealth of knowledge about the latest casino games, trends, and technologies. He has worked with some of the top online casinos in the world, providing expert analysis and advice on everything from game selection to payment methods. James is passionate about helping players find the best online casinos that offer fair games, excellent customer support, and generous bonuses. When he's not writing or researching, James enjoys playing blackjack and poker.